Overview / Commentary
1540 Tittabawassee Rd
Saginaw, MI 48604-9445

Lake Huron Credit Union is headquartered in Saginaw and is the 141st largest credit union in the state of Michigan. It is also the 2,331st largest credit union in the nation. It was established in 1959 and as of December of 2018, it had grown to 19 employees and 6,688 members at 2 locations. Lake Huron Credit Union's CD rates are 90% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Bay, Saginaw or Midland Counties. Membership is also open to members of Teamsters local 486, employees of trucking companies, automobile dealerships, repair garages, and parts distributors, those who have a State of Michigan drivers license type C (Chauffeur) with CDL type A, B or C and live in the counties listed, anyone age 55 or over who received retirement payments and live in the listed counties or are part of a retirement organization in the listed counties.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lake Huron Credit Union has a low asset base.

Health Grade Components

NCUA #61638
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.51%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$49.3MM$48.9MM
LoansQ4 2018vs Q4 2017$37.1MM$36.9MM
DepositsQ4 2018vs Q4 2017$42.8MM$43.3MM
Equity CapitalQ4 2018vs Q4 2017$5.6MM$5.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$492.00K$485.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$664.00K$185.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$190.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake Huron Credit Union Savings Account Rates

0.20%--IRA Shared Savings
0.10%--Kids Club
0.05%*$5k*-Prime Share Savings
OTHER TIERS: 0.02% $1k - $5k
0.05%*$5k*-Vacation Club
OTHER TIERS: 0.02% $1k - $5k
0.05%*$5k*-Christmas Club
OTHER TIERS: 0.02% $1k - $5k
0.05%*$5k*-Share Pledge Account
OTHER TIERS: 0.02% $1k - $5k

Lake Huron Credit Union Money Market Rates

0.50%*$75k*-Money Market Account
OTHER TIERS: 0.30% $2.5k - $20k | 0.40% $20k - $50k | 0.45% $50k - $75k

Lake Huron Credit Union CD Rates

4.06%$250$1k12 Month Youth CD Special
3.15%$500-60 Month Bonus CD
3.05%$500-60 Month CD
2.79%$500-48 Month Bonus CD
2.69%$500-48 Month CD
2.58%$500-36 Month Bonus CD
2.48%$500-36 Month CD
2.38%$500-24 Month Bonus CD
2.28%$500-24 Month CD
2.12%$500-18 Month Bonus CD
2.02%$500-18 Month CD
1.82%$500-12 Month Bonus CD
1.71%$500-12 Month CD
1.36%$500-6 Month Bonus CD
1.26%$500-6 Month CD

Lake Huron Credit Union IRA Rates

3.15%$500-60 Month Bonus IRA
3.05%$500-60 Month IRA
2.79%$500-48 Month Bonus IRA
2.69%$500-48 Month IRA
2.58%$500-36 Month Bonus IRA
2.48%$500-36 Month IRA
2.38%$500-24 Month Bonus IRA
2.28%$500-24 Month IRA
2.12%$500-18 Month Bonus IRA
2.02%$500-18 Month IRA
1.82%$500-12 Month Bonus IRA
1.71%$500-12 Month IRA
1.36%$500-6 Month Bonus IRA
1.26%$500-6 Month IRA

Lake Huron Credit Union Locations
Branch Office5685 Shattuck RdSaginaw, MI 48603
Branch Office1540 Tittabawassee RdSaginaw, MI 48604-9445

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